? and the point i always try to make to them is particularly in this current environment is that if you are an owner of cash, not for the short term, if you've got a bill that you need to pay in three or four month, cash is the right place for you, but if you have your longer term money in cash, you're lose 2:00% to inflation every year. we've had a lost decade for cash already. you've lost 8% of purchasing power in the last ten years, and we're having to have another lost decade for cash going forward so time horizon is very important. >> i guess, i mean, one issue though would be am i going to be able to get into this market at lower levels, quint tetreault, so what's your feeling on that? yes, i mean, i get it that valuations are attractive. i get it that there are very few alternatives out there given where rates are, but are there still enough cat lifts that are going to be a problem that send this market lower and enable me to get into better prices? >> i think -- >> i think there is, maria. >> i'm sorry. >> sure. i think there is, maria. we've seen it. the last several years, we'